Free tool · for UK businesses
How much of your cash is stuck in unpaid invoices?
You've done the work and sent the invoice. But the money sits with your client for weeks while you still have payroll and suppliers to pay. Move the two sliders to see, roughly, how much of your own money is tied up at any given moment.
Nothing is stored or sent. The calculation runs entirely in your browser — we never see your numbers.
What you bill clients in a typical month
Your invoice terms in practice — often 30, 60, even 90 days
Cash tied up in unpaid invoices
£74,000
of money you've already earned, sitting in receivables at any given moment — instead of funding payroll, suppliers, and growth.
Illustrative estimate · your figures only · not financial advice
Why the number is bigger than it feels
Growth widens the gap
Every new client you win adds another invoice you have to wait on. So the faster you grow, the more of your own cash is locked up in work you've already delivered. It isn't a profit problem — it's a timing problem between when you pay out and when you get paid.
One option among several
One way businesses manage this gap
Some businesses use invoice finance to access the value of unpaid invoices earlier, instead of waiting 30–60 days. It's one option among several, arranged by independent specialist brokers — not something we provide or advise on.
Curious how this works?
YORXEN is a lead-generation service. If you'd like, we can pass your details — only with your explicit consent — to an independent specialist finance broker who can explain your options. Free, no obligation. We don't provide or advise on finance ourselves.